Every material Form 8-K Dave filed with the SEC in 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Dave Inc. reported third-quarter 2026 results on November 4, 2026, with revenue up 31% year over year to $198 million, and raised its full-year 2026 guidance for revenue, adjusted EBITDA and adjusted diluted EPS. GAAP net income fell 31% to $64 million and adjusted diluted EPS slipped 1% to $4.39, so profit measures moved against the sales gain. The filing also discloses a November 3, 2026 amendment with Coastal Community Bank that allows up to $325 million of ExtraCash receivables to stay on the bank's balance sheet for up to 60 days.
Q3 2026 GAAP revenue was $198 million, up 31% from a year earlier; GAAP net income was $64 million, down 31%.
Adjusted diluted EPS was $4.39, down 1% from $4.45; adjusted EBITDA was $82 million, up 39%.
2026 revenue guidance was raised to $746 million-$750 million from $725 million-$735 million; adjusted EBITDA guidance to $327 million-$330 million from $315 million-$325 million.
Under a Second Amendment to its Coastal Community Bank program agreement, effective November 3, 2026, ExtraCash receivables held on Coastal's balance sheet may reach up to $325 million.
Dave Inc. disclosed that director Yadin Rozov resigned from its Board of Directors, effective immediately, after notifying the company on August 12, 2026. The company said the resignation was for personal reasons and not tied to any disagreement over operations, policies or practices. The filing does not name a replacement, so the board's size and composition after the departure are not stated.
Yadin Rozov notified Dave Inc. of his resignation from the Board on August 12, 2026, effective immediately.
The company states the resignation was for personal reasons and was not related to any disagreement with the company.
The filing does not identify a successor or any replacement director.
Dave Inc. reported second-quarter 2026 revenue of $170.8 million, up 30% from a year earlier, and raised its full-year 2026 revenue, Adjusted EBITDA and Adjusted Diluted EPS guidance. GAAP net income fell 26% to $6.7 million, including $36.9 million of non-cash warrant and earnout remeasurement charges. Higher sales and guidance sit alongside lower GAAP profit, so the results point in mixed directions for shareholders.
Q2 2026 GAAP operating revenues rose 30% to $170.8 million from $131.7 million.
GAAP net income was $6.7 million, down 26% from $9.1 million, including $36.9 million of non-cash warrant and earnout remeasurement charges.
Adjusted EBITDA rose 48% to $75.5 million, a 44% margin.
2026 revenue guidance raised to $725 million–$735 million from $710 million–$720 million; Adjusted Diluted EPS guidance raised to $17.00–$17.50 from $16.25–$16.75.
Dave Inc. reported first-quarter 2026 revenue of $158.4 million, up 47% from a year earlier, and GAAP net income of $57.9 million, up 101%. It raised its full-year 2026 revenue, adjusted EBITDA and adjusted diluted EPS guidance and repurchased $194.9 million of shares in the quarter. Provision for credit losses rose to $26.6 million from $10.6 million, which the company attributed to quarter-end timing.
Q1 2026 revenue was $158.4 million, up from $108.0 million, and GAAP net income was $57.9 million, up from $28.8 million.
Adjusted EBITDA was $69.3 million, up 57%, and adjusted diluted EPS was $3.64, up 64%.
2026 revenue guidance rose to $710 million to $720 million from $690 million to $710 million; adjusted diluted EPS guidance rose to $16.25 to $16.75 from $14.00 to $15.00.
Share repurchases totaled $194.9 million in Q1, and $113.3 million remained under the existing authorization as of the release.
Dave Inc. issued $200 million of 0% convertible senior notes due April 1, 2031, after initial purchasers fully exercised their option for an extra $25 million. The company received net proceeds of approximately $192.1 million, used part of it to buy capped call transactions and repurchase about 0.3 million shares, and plans to use the rest for general corporate purposes, including more buybacks, which matters to shareholders because the notes can add up to 949,340 shares of dilution on conversion, partly offset by the capped calls.
$200 million principal issued March 9, 2026 under a Rule 144A offering; notes mature April 1, 2031
Net proceeds of approximately $192.1 million; $17.3 million spent on capped calls and about $70.5 million used to repurchase about 0.3 million Class A shares
Initial conversion price of approximately $279.13 per share; up to 949,340 shares may be issued on conversion, with capped calls subject to a cap of $421.34 per share
Dave Inc. priced a $175 million offering of 0% convertible senior notes due April 1, 2031, upsized from $150 million, with an option for up to $25 million more. The company estimates net proceeds of $168.0 million and plans to use about $70.5 million to repurchase roughly 334,000 shares, pay $15.1 million for capped call transactions meant to reduce dilution, and fund general purposes including share repurchases.
Principal of $175 million, upsized from $150 million, with an option for up to an additional $25 million; closing expected March 9, 2026.
Initial conversion price of about $279.13 per share, a premium of about 32.5% over the $210.67 closing price on March 4, 2026.
Capped call cap price of $421.34 per share, a 100% premium; capped call cost about $15.1 million.
Concurrent repurchase of about 334,000 shares at $210.67 per share, using about $70.5 million of net proceeds.
Dave Inc. reported fourth-quarter 2025 revenue of $163.7 million, up 62%, and net income of $66.0 million, up 292%, with full-year revenue of $554.2 million and net income of $195.9 million. The company also set 2026 guidance for revenue of $690 million to $710 million and raised its share repurchase authorization to $300 million from $125 million, which matters to shareholders because it signals both continued growth expectations and new capacity to buy back stock.
Q4 2025 revenue was $163.7 million, up 62% from $100.9 million; GAAP net income was $66.0 million versus $16.8 million a year earlier.
Full-year 2025 revenue was $554.2 million, up 60%; full-year GAAP net income was $195.9 million versus $57.9 million in 2024.
2026 guidance calls for revenue of $690 million to $710 million and Adjusted EBITDA of $290 million to $305 million.
The board authorized a new buyback of up to $300 million, replacing the prior $125 million program, under which about $113.2 million remained available.
Dave Inc. said preliminary, unaudited results show 2025 revenue and Adjusted EBITDA above the top end of its guidance, and fourth-quarter 28-day delinquency between 1.95% and 2.00%, better than its prior expectation of below 2.10%. The figures remain subject to year-end closing procedures and could differ from the audited results. Full results and the 2026 outlook are scheduled for March 2, 2026.
Full-year 2025 revenue is expected at $554 million, up 60% from $347 million in 2024 and above the $544-$547 million guidance range.
Full-year 2025 Adjusted EBITDA is expected at $227 million, up from $86 million in 2024 and above the $215-$218 million guidance range.
Fourth-quarter 2025 revenue is expected at $164 million, up 62% from $101 million a year earlier.
Full audited results and the Form 10-K are due March 2, 2026, with a conference call at 5:00 p.m. Eastern time.
Dave Inc. appointed Nima Khajehnouri, a former Vice President of Engineering at Meta, Google and Snap, to its Board of Directors effective January 20, 2026, and to the Audit Committee. Director Imran Khan, who has served on the Board since August 2023, is resigning effective upon his successor's appointment, and the filing states his decision was not related to any disagreement with the Company. The filing also reshuffles leadership roles on the Board, which shareholders may track for governance purposes.
Nima Khajehnouri joined the Board on January 20, 2026, as a Class III director with a term expiring at the 2027 Annual Meeting, and was appointed to the Audit Committee.
Imran Khan, on the Board since August 2023, will resign once his successor is appointed.
Khajehnouri receives a $50,000 director fee for 2026, pro-rated from his start date, plus a restricted stock unit award with a $165,000 grant date value.
Mike Pope was named Lead Independent Director, succeeding Brendan Carroll, and Andrea Mitchell was named Chair of the Nominating and Corporate Governance Committee.
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Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Dave filing is on SEC EDGAR ↗. 8-K briefs of other companies →